Autos: Which Car Should You Own To Keep Your Insurance Rates Most Affordable?

Which Car Should You Own To Keep Your Insurance Rates Most Affordable?

Written by Jon Register

Do you consider repparttar

cost of insurance before you buy your dream car? You should. The Highway Loss Data Institute analyzes repparttar 102672

cost to insurance companies from theft, collision, and injury claims as they relate to cars. They look at repparttar 102673

color of

cars, how many doors they have, and even break them down type.

The Highway Loss Data Institute is a nonprofit public service organization. It is closely associated with and funded through repparttar 102675 Insurance Institute for Highway Safety, which is wholly supported by auto insurers. HLDI gathers, processes, and publishes data on repparttar 102676 ways losses vary among different kinds of vehicles. http://www.iihs.org/vehicle_ratings/ictl/ictl.htm

4- Door cars have a 93% less chance of having a claim related to theft than their sibling 2-Door cars. Buy a Buick LeSabre and have relatively no chance of a theft loss. Compare that to repparttar 102677 convertible Chevrolet Corvette that has over 5 times repparttar 102678 average theft rate. You may have known that. However, did you know that repparttar 102679 Toyota Celica has a 67% higher chance of theft than repparttar 102680 Toyota Camry?

In addition, even though repparttar 102681 2002 Lexus IS 300 gets a "best pick" rating from repparttar 102682 Insurance Institute for Highway Safety for its performance on crash tests, previous years' models of repparttar 102683 same car are some of repparttar 102684 most costly in terms of collision claims. "One of repparttar 102685 factors that come into play there is repparttar 102686 cost of repairing an expensive vehicle," says Russ Rader, with repparttar 102687 Insurance Institute for Highway Safety.

What about safety? You may be surprised at some of repparttar 102688 results. For example, repparttar 102689 Porsche 911 has a 67% less chance for injury claims than repparttar 102690 norm. Go figure. The Mitsubishi Lancer has almost double repparttar 102691 injury claim rate over repparttar 102692 norm.

How to Summer-ize your Car

Written by TheCarSites.com Staff

We go to great lengths to make sure our vehicles are ready for winter. Who wants to get stuck in sub-zero degree weather with a stalled car?

But what about during repparttar summer? Believe it or not, repparttar 102671 heat takes its toll on your car, too, so it’s important to keep your car serviced.

Periodic maintenance on your car will save you tremendous hassle in repparttar 102672 long run. Your vehicle should last longer and command a higher resale price, too! I made it a point to get my car serviced according to repparttar 102673 dealer’s schedule, and when I traded it in, I got far more than I expected due to repparttar 102674 stellar condition of repparttar 102675 engine.

Now I know this isn’t bedtime reading, but repparttar 102676 owner’s manual can be your best friend – assuming you read it! At least take a look-through periodically. How about while you’re waiting to get your oil changed?

Follow repparttar 102677 manufacturer's recommended service schedules. This could save you a major breakdown.

Have repparttar 102678 air conditioning system looked over by a qualified technician. A check up here can save you a huge bill later.

The greatest cause of summer breakdowns is overheating. Prevent this problem by making sure repparttar 102679 cooling system is flushed and refilled as recommended.

Have your car’s belts, clamps, and hoses checked by a technician. This only takes a few minutes and is usually inexpensive.

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